Empirical Research On The Impact Of Cross-regional Operation Of City Commercial Banks On Bank Performance

In 2009,the supervision and Administration Commission of the Bank of China lifted the ban on cross regional operation of urban commercial banks,ushered in the peak period of cross regional operation of urban commercial banks,making the growth of the asset scale of urban commercial banks among all kinds of financial institutions at the top,but the blind development of cross regional operation and the expansion of the scale make it deviate from the original market positioning,which also brings safety to the operation of urban commercial banks Conflict with profit.The central region is of great significance to the development and stability of China's economy and the optimization of the business environment in the central region.In the process of rapid development,the central region continues to explore and research,and finally finds that cross regional operation is the key measure to make its business and operation market expand rapidly.However,in cross regional operation,how to make relevant choices is a problem to be solved for city commercial banks.Therefore,it is of great significance to study the influence and corresponding mechanism of cross regional operation of city commercial banks in the central region for the development path selection and sustainability of city commercial banks in the central region.This paper refers to the relevant research of many scholars at home and abroad,and on this basis,it carries out the research on the cross regional problems of the city commercial banks in the central six provinces.First of all,before exploring the problems of this paper,the research literature of related issues at home and abroad is roughly combed and summarized to provide a preliminary cognition and learning for the research of this paper.In order to make the article have strict logic,this paper analyzes the theory of cross regional management of city commercial banks,and provides theoretical support for the research of this paper.Before studying the cross regional management of city commercial banks in the central region,we should understand the current situation of their development and introduce the existing problems.After that,this paper uses the cross regional operation data of 15 city commercial banks in six provinces in Central China from 2010 to 2018,obtains the comprehensive performance of city commercial banks as the explained variable by using the method of principal component analysis,takes the cross regional operation degree and the number of distributed cities of sample City Commercial banks as the explained variable,conducts the non-equilibrium panel regression analysis,and advances the performance of cross regional operation of city commercial banks in Central China The empirical study was carried out.According to the empirical results,we can see that the cross regional operation of six city commercial banks in Central China has not greatly improved the comprehensive performance of banks,on the contrary,it may even have a negative impact on the performance of banks.At the same time,the analysis conclusion is more accurate by robustness test.Finally,according to the empirical conclusion,the paper puts forward the corresponding countermeasures and suggestions for the future development of urban commercial banks in the central region.